Photos Damaged—Is Repair Covered? Q Our homeowners insured has replacement cost coverage for contents. Recently, she sustained a covered loss…

Ice Causes Trees to Fall—Water Damage? We have a carrier coding the ice losses from tree branches breaking off and damaging homes as water losses.…

When a vehicle encounters water, should it be covered by collision or comprehensive coverage?

Water backup and sump pumps.

Other Insurance and Personal Property at Secondary Residence Our insured had a total fire at his vacation home. The home is insured on a DP 00 01 (07…

Water Leakage Causes Covered Damage? We have an insured that had a leak occur in the line running from her house to the municipal sewer. According to…

Personal Property Stolen From a Rental Dwelling Q Our insured has a DP 00 03 07 88 on a single family rental property. He keeps tools there so if…

Theft Coverage for Dwelling Being Repaired Q Our client is insured on an HO 00 03 04 91. Recently, he had a partial fire loss. The kitchen and adjoining…

When a hurricane topples a tree.

What Constitutes Business Property on a Homeowners Policy? Q Our HO 00 03 04 91 insured is a free-lance author. She was scheduled to go to Russia…